| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.01% |
| WILLIAM R KELLER3 | 110 1ST AVE NW SUITE 1 WATERTOWN, SD 57201 | NORTHWESTERN MUTUAL | $4K | $955 | $5K | 15.47% |
| LUCAS MEINO BRUNS3 | 1011 1ST AVE SE ABERDEEN, SD 57401 | NORTHWESTERN MUTUAL | $379 | $136 | $515 | 1.68% |
| CJS GENERAL AGY LLC3 Filed as: CJS GENERAL AGY, LLC | 2307 W 57TH STREET SUITE 200 SIOUX FALLS, SD 57108 | NORTHWESTERN MUTUAL | $379 | $45 | $424 | 1.38% |
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $2K | $64 | $2K | 10.42% |
| UNIFIED GROUP SERVICES, INC.3 | PO BOX 10 PENDLETON, IN 46064 | HCC LIFE INSURANCE COMPANY | — | $204 | $204 | 1.36% |
| WILLIAMS INSURANCE AGENCY3 | 6300 S. OLD VILLAGE PLACE SUITE 200 SIOUX FALLS, SD 57108 | LEADERS LIFE INSURANCE COMPANY | $394 | — | $394 | 4.95% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $180 | — | $180 | 2.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | COMPANION LIFE INSURANCE COMPANY | $541 | — | $541 | 12.63% |
| AVERA HEALTH PLANS3 | 2600 W. 49TH STREET SIOUX FALLS, SD 57105 | COMPANION LIFE INSURANCE COMPANY | $298 | — | $298 | 6.96% |
| SUMMIT REINSURANCE SERVICES INC3 Filed as: SUMMIT REINSURANCE SERVICES, INC. | 7030 POINTE INVERNESS WAY SUITE 350 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $79 | — | $79 | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | COMPANION LIFE INSURANCE COMPANY | $55 | — | $55 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 S. OLD VILLAGE PLACE SUITE 200 SIOUX FALLS, SD 57108 | METLIFE INSURANCE COMPANY | $794 | — | $794 | 20.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 502638844 | METLIFE INSURANCE COMPANY | $162 | — | $162 | 4.15% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 188 | $77K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 23 | $4K |
| Short-term disability(2 contracts, 2 carriers) | LEADERS LIFE INSURANCE COMPANY | 15 | $12K |
| Long-term disability | NORTHWESTERN MUTUAL | 172 | $31K |
| Other(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 100 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.